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post #571 of 1529
Is the your account with T-Mobile a pay as you go or contract? If its a contract based plan you should have built some credit off of that.
post #572 of 1529
Quote:
Originally Posted by Pheatton View Post
Is the your account with T-Mobile a pay as you go or contract? If its a contract based plan you should have built some credit off of that.
Yeah that's what I thought...I'm a Flexpay contract customer.(So I can't just like...up and leave.) but it's Flexpay...which is different than a normal contract, so I'm not really sure.
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post #573 of 1529
Quote:
Originally Posted by AIpha View Post
Yeah that's what I thought...I'm a Flexpay contract customer.(So I can't just like...up and leave.) but it's Flexpay...which is different than a normal contract, so I'm not really sure.

That may be why you not built any credit. I know how hard it is to do so. Cant get any credit cards an your own and no type of loan either. It was really frustrating when I was trying to build my credit. I finally had to have my parents co-sign a car loan for me.

It really sucks that we have become a society that is so dependent upon credit....
post #574 of 1529
Quote:
Originally Posted by Pheatton View Post
That may be why you not built any credit. I know how hard it is to do so. Cant get any credit cards an your own and no type of loan either. It was really frustrating when I was trying to build my credit. I finally had to have my parents co-sign a car loan for me.

It really sucks that we have become a society that is so dependent upon credit....
Yeah, you can get by with no credit, its just more expensive that way. And you need the money up front. Made me pretty upset, I seen the Droid for $49.99 and was like "WOW, THATS A LOW PRICE!" ordered it, woke up, received an email saying they needed more information, called them. When they said $400 deposit my jaw dropped and heart sank simultaneously.
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post #575 of 1529
Quote:
Originally Posted by AIpha View Post
Yeah, you can get by with no credit, its just more expensive that way. And you need the money up front. Made me pretty upset, I seen the Droid for $49.99 and was like "WOW, THATS A LOW PRICE!" ordered it, woke up, received an email saying they needed more information, called them. When they said $400 deposit my jaw dropped and heart sank simultaneously.
Take out a secure loan for $500, $1000, $3000. It will help you establish credit pretty quickly. Oh and get a credit card at your bank...spend the money and pay it off that same month. As long as you use credit responsibly your safe....its the people that sit in debt and get flooded with interest or spend beyond their means that get into trouble.

Once I established my credit the only thing I use it for is a house, leased cars, and getting approved for small things like phone lines. I HATE credit cards because of previous mistakes I made so I no longer use them. Their just a money sink.
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post #576 of 1529
Quote:
Originally Posted by Shadowclock View Post
Take out a secure loan for $500, $1000, $3000. It will help you establish credit pretty quickly. Oh and get a credit card at your bank...spend the money and pay it off that same month. As long as you use credit responsibly your safe....its the people that sit in debt and get flooded with interest or spend beyond their means that get into trouble.

Once I established my credit the only thing I use it for is a house, leased cars, and getting approved for small things like phone lines. I HATE credit cards because of previous mistakes I made so I no longer use them. Their just a money sink.
I went to my bank and applied for a credit card yesterday, got rejected. ;( I think it requires I have a co-signer.
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post #577 of 1529
Quote:
Originally Posted by Shadowclock View Post
Take out a secure loan for $500, $1000, $3000. It will help you establish credit pretty quickly. Oh and get a credit card at your bank...spend the money and pay it off that same month. As long as you use credit responsibly your safe....its the people that sit in debt and get flooded with interest or spend beyond their means that get into trouble.

Once I established my credit the only thing I use it for is a house, leased cars, and getting approved for small things like phone lines. I HATE credit cards because of previous mistakes I made so I no longer use them. Their just a money sink.

Yep thats the way I use my credit. Dont own a house yet but Im leasing a 2008 VW GTI and have my phone account through Verizon. Now this took around 6 years to build up to the point where I did not need a co-signer. Also working a a Dodge dealer for 9 years helped to. Was able to get a great deal in my first car that I needed a loan for.
post #578 of 1529
Quote:
Originally Posted by AIpha View Post
I went to my bank and applied for a credit card yesterday, got rejected. ;( I think it requires I have a co-signer.
Secured loan is basically you having money in the bank to cover the loan...its kind of a fake loan. You have $500 put in a secure location and the bank loans that money to you....inquire about it. It helps your credit when you have none. Also try getting a small amount for the credit card. $250 or $500, over time just request an increase to the amount...oh and don't go out and get a bunch of little credit cards...usually over 4 cards with end up hurting your credit and its more of a pain to close them out.

thread officially derailed +1 for me LOL
Edited by Shadowclock - 4/13/10 at 1:50pm
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post #579 of 1529
Wow, pandora radio is pretty awesome, I'm gunna look into those lil AM broadcasters or whatever they are so I can listen through my car speakers .

I also found this spiel about how wifi being disabled while in sleep mode or whatever drains the battery. Doesn't make sense ot me but I got an app that manages it now and I went from going into work 100% and coming out of work with about 10% battery left using the juicedefender app to 100% into work and about 70% coming out of work using this wifi app + juice defender. Can anyone explain this to me?

A few more questions. I need a good home replacement,I tried a couple that was quoted to me on the last page like home++ and something else and they were both icky.

What's the deal with these task killer programs? I get the idea of it shutting down a program from using the memory to save speed and battery but the programs keep popping back up after an hour or so, stuff I don't use like alarm, calender etc.

I got a different SMS program to manager my txts that I liked better, set it to my default but everytime I get a new TXT it pops up under the one that came with the phone as well as the one I downloaded.

Thnx guys
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post #580 of 1529
Quote:
Originally Posted by SpykeZ View Post
Wow, pandora radio is pretty awesome, I'm gunna look into those lil AM broadcasters or whatever they are so I can listen through my car speakers .

I also found this spiel about how wifi being disabled while in sleep mode or whatever drains the battery. Doesn't make sense ot me but I got an app that manages it now and I went from going into work 100% and coming out of work with about 10% battery left using the juicedefender app to 100% into work and about 70% coming out of work using this wifi app + juice defender. Can anyone explain this to me?

A few more questions. I need a good home replacement,I tried a couple that was quoted to me on the last page like home++ and something else and they were both icky.

What's the deal with these task killer programs? I get the idea of it shutting down a program from using the memory to save speed and battery but the programs keep popping back up after an hour or so, stuff I don't use like alarm, calender etc.

I got a different SMS program to manager my txts that I liked better, set it to my default but everytime I get a new TXT it pops up under the one that came with the phone as well as the one I downloaded.

Thnx guys
I believe the Calendar pops back up because it's syncing again. Handscent for sms was my favorite.

edit: Yeah there is a setting you can change in for notifications. It's under phone settings I believe. Just take off the notification for text/sms messages. You'll still receive a notification for your other app.
Edited by AIpha - 4/14/10 at 5:16am
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